Avik Ganguly

Head of Engineering | Distributed Systems & Platform

Summary

Hands-on head of engineering with 6 years of experience designing and scaling cloud-native, modular platforms. Led and mentored teams of 20+ engineers while shipping systems supporting 10M+ annual payment transactions and 150M+ USD of loans. Experienced in driving technical strategy, improving delivery velocity, and building resilient systems in emerging markets.

Skills

Strategic Thinking - Engineering, IT & Recruitment

Internal Mentoring & Training

Negotiation & Conflict Resolution

Effective Communication (GMAT 2018 - 93 percentile)

External Stakeholder Management

Scrum & Scaled Agile Mastery

Program Estimation & Timesheets

Presales, Change & Vendor Management

Solution Architecture

Cloud Native Modular Architecture (Microservices, Kubernetes, Helm)

AI assisted Development & QA Cycles

Security, DevOps Tooling

Domain - Fintech Expert (Payments, Lending)

User Centric Design Approach

Product Positioning & Roadmapping

KPI Analysis

Product Lifecycle - B2B Enterprise

Backlog Management

Marketing: Packaging & Pricing

Partnership Development

Community Development

Social Impact

Languages - English (C1), Hindi (B2), Bengali (B2), Chinese (B1)

Professional Experience

Freelancing — Marketing Tech, Reward Programs and Payment Security Feb 2025 - Oct 2025

Fynarfin Jan 2019 - Oct 2024

Founder - Program, Product, Engineering & Marketing hats

Pioneering open-source core population scale digital public goods and digital public infrastructure. Use cases at payments.govstack.global/2-description · Project Tracker Mirror: govstack-global.atlassian.net/jira/software/c/projects/PAY/issues
Key Customers: GovStack, MIFOS, Grameen Foundation, One Acre Fund, Safaricom, CoDevelop Fund.
Key Achievement: Scaled to 1M USD in revenue.
Problem Areas - Digital Public Infrastructure, Government to Person Disbursements, Customer to Business Collections, Store of Value Interoperability, Group Savings, Early Wage Access
Products Developed: Payment Hub (youtube.com/watch?v=IacQXEAevs8), Fineract, Mojaloop

Apache Fineract Apr 2018 - Dec 2018

SDE & Solution Architect Freelancer

Loan restructuring, alternative credit scoring, scalability, line of credit and consumer durable loans.

Trustt (formerly Novopay) Apr 2015 - Mar 2018

SDE II

Designed and delivered products & solutions for microenterprises on microcredit, payments & analytics.
Key Achievement: Introduced Test Driven Development, Scalable Architecture and OS Best Practices to the organization of more than 50 engineers while exceeding expectations in functional deliveries.
Skills Utilized: Lending, Payments, Writing Technical Specs, Requirement Analysis, Project Estimation, Release Management, Security, Spring, Angular, Java, Javascript, Python, Spark, Data Analysis (Elasticsearch, SQL, Kibana/Grafana, Pandas)

Finflux (acquired by M2P Fintech) Jun 2014 - Mar 2015

Software Engineer

Sample Functional Spec: mifosforge.jira.com/wiki/display/MIFOSX/Hooks
Sample Code: github.com/openMF/mifosx/pull/1063
Skills Utilized: Lending, Problem Solving, Sales Engineer, Extensible Architecture

Google Jun 2013 - Sep 2013

Summer of Code Intern

Worked with Mifos to build a Data Import Tool for microfinances.

Education

Bachelor of Engineering 2010 - 2014

Visvesvaraya Technological University

Salt Lake School, Kolkata 1997 - 2010

Additional Information

Certifications: Google User Experience Design (Coursera); Wharton/Coursera - Introduction to Financial Accounting, Marketing and Operations; Capital Markets Immersion (Udemy); Taming Big Data with Apache Spark (Udemy); Oracle Certified Expert, Java EE 6 Web Component Developer & Enterprise Beans Developer; Oracle Certified Professional, Java SE 6 Programmer.
References: Edward Cable – CEO & Co-Founder, Mifos (contact details on request); Nitin Mithal – Director & Head Global Customer Delivery, Clari5 (contact details on request).